Need some advise on a seller-financed refi

[Eric Bilderback]

I hope this is not interpreted as a solisitation I know that is against the rules but I do have a question on my primary residence.

I have had problems in the past securing loans because of my lack of W-2 income.  I have excellent credit.  I bought an owner finance house in 2013.  The price has increased quite a bit around 50%.  It was 225k now around 350k+.  Which is good but I would like to get bank financing.  My issue is I quit my job last year and started a landscape business.  I have some financial info on the tax return from 2015 from the landscaping but it is minimal.  I do own 2 small Multifamily properties but I don’t think they show that much profit on the tax returns.  Can I finance my primary for the 217k or whatever is left?  I am hoping to use the equity in the home as the downpayment.  I was thinking I could ask my Mom to cosign, would that work?  Is there a way to secure a bank loan in these circumstances?

Thank you for any advise